App-to-App

App-to-app refers to the mechanism by which a journey sends the user to their bank's mobile app to authenticate, before bringing them back to where they were. Its value is twofold: the user authenticates in the environment they know, with their usual biometrics or passcode, and the third-party service never has to handle their banking credentials. It is currently the most reliable connection journey in open banking, and generates markedly less drop-off than entering credentials on an intermediate page. Its limit is dependency: it assumes the bank's app is installed on the device and that it offers this redirection mode.